Hello, I would appreciate advice from anyone! My credit score is roughly 700. I have three revolving accts - an Amex Gold (no pre-set limit, but they report $17,000 as my high balance, I show a roughly $1500 balance every month), a Citi Aadvantage card ($5000 limit but they dont' report the limit, roughly $3500 balance), and an Amex clear which I don't really use that much ($1,000 limit, 0 balance). I have been a good customer of Amex but they refuse to raise my credit limit on that one even though I charge $1500-$2000 every month on my Gold card. The clear card is not costing me anything, but is it lowering my credit score because of its low credit limit? Should I close it? Thanks!
I don't believe this is true. In fact it adds to your total limit available there forekeeping your utilization lower.
You should try to pay off your balances on the other card (citi) and get them to report the limit correctly. And try to pay off the amex gold before the reporting date so there is no balance shown. that will increase your scores more.